Ramsey, MN · Updated Oct 2026

What a Ramsey home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Ramsey house

$9,077a year · $756 a month

Starts at $372,100 of value before exemptions. Typical use.

Property tax$4,081
1.366% of $372,100, less $13,061 homestead market value exclusion and less $500,000 1.00% class rate on the first $500,000
Flat charges on the tax bill$24
Anoka County solid waste management charge (per home) $24
Electricity and gas$2,285
772.21 kWh a month $1,449 · 61.79 therms $836
Water and sewer$913
7,000 gallons a month on City of Ramsey: water $28, sewer $34, stormwater management (residential) $7, street lights (per urban-subdivision lot) $3, curbside recycling (ace solid waste) $4 a month
TrashNot included
Residents choose and pay a City-licensed hauler directly for trash
Home insurance$1,774
Typical premium $1,774

A typical Ramsey house costs about $9,100 a year: $4,110 property tax and charges, $910 water and sewer, $2,280 electricity and gas, $1,770 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

File for homestead
Property taxes are lower on owner-occupied homes, and the homestead market value exclusion lowers the taxable value of homes valued under $517,200.
How: Apply with Anoka County: if you buy and move in by December 1 and apply by December 31, the next year's tax reflects homestead.
Seniors 65+: defer part of your property tax
With the Senior Citizens Property Tax Deferral, the tax you pay is 3% of household income and the state pays the rest as a loan, repaid with interest when you sell or cancel.
How: You must be 65 or older (if married, the other spouse at least 62) with household income of $96,000 or less; apply by November 1.
Veterans with a 70%+ disability rating: market value exclusion$150,000 or $300,000 off market value
Qualifying veterans with a 70% or higher disability rating get a $150,000 market value exclusion; totally and permanently disabled veterans get $300,000.
How: Apply with Anoka County by December 15; veterans rated 70% or higher reapply every year.
Connexus smart thermostat credit: $10 a month in summer$10 a month, June–August
Connexus members with a qualifying Wi-Fi thermostat enrolled in its program get a $10.00 monthly credit in June, July and August for letting Connexus adjust the thermostat during peak events (typically one to four times a month, two to four hours).
How: Enroll the thermostat through Connexus Energy's portal and stay in for the full June–August season.
Pay property tax by check to skip the fee
Anoka County's online payments carry a 2.6% fee for cards and a $3.50 fee for eCheck; check by mail, cash or check in person, and the Direct Payment Program have no service fee.
How: Mail a check or enroll in the Direct Payment Program (call 763-323-5400).
Drop off recycling free at the ACE Solid Waste convenience center
Ramsey residents can drop small quantities of recyclable materials at ACE Solid Waste's Customer Convenience Center at no charge, 24 hours a day, seven days a week.
How: Enter from 141st Avenue, just west of Basalt Street (not from McKinley Street); no trash is accepted.

Money dates

Dec 15in 41 daysApply for the disabled veterans' market value exclusion with Anoka County
Dec 31in 57 daysApply for homestead (own and occupy by December 1) for next year's tax
May 15First half of real property taxes due
Aug 15Minnesota property tax refund due; you may still file up to one year late

Who serves this house

Water: City of Ramsey; City of Ramsey 2026 utility rates, billed quarterly: $58.18 minimum (up to 15,000 gallons) plus the $3.81 state testing fee, then per 1,000 gallons
Property tax: 1.37% of value; 2026 taxes payable, Anoka County (Ramsey tax districts 97, 98 and 99: Anoka-Hennepin schools ISD 11, Lower Rum River Watershed)
Sewer: City of Ramsey; The City bills sewer to users of its sanitary sewer
Electricity: Connexus Energy; Ramsey has a franchise agreement with Connexus Energy for electric service within the City
Gas: CenterPoint Energy; CenterPoint Energy supplies gas service; Ramsey is on its list of Minnesota communities served

Pay or manage your bills

Your water

Source: Groundwater from seven wells, 316 to 390 feet deep, drawing from the Tunnel City Group and Tunnel City-Wonewoc aquifers
Radium: Combined radium was 3.7 pCi/l (limit 5 pCi/l) in the 2025 report
Service lines: As of 11/17/2025, the inventory contains 0 lead, 0 galvanized requiring replacement, 0 unknown material and 5,514 non-lead service lines

Not every Ramsey home is on City water and sewer: the City says only those who use the City's sanitary sewer and water services pay for those specific utilities, and its 2025 report counts 5,514 service lines against 8,867 homestead single-family parcels. Homes on a private well pay no City water charge and homes on septic pay no City sewer charge: take those off the totals.

Other MN cities

Apple Valley home costs Cottage Grove home costs Edina home costs Farmington home costs Lakeville home costs Little Falls home costs Maple Grove home costs Plymouth home costs Shoreview home costs Vadnais Heights home costs Woodbury home costs Andover home costs Shakopee home costs Champlin home costs Eagan home costs Otsego home costs Fairmont home costs Rochester home costs Chanhassen home costs Maplewood home costs St. Michael home costs Inver Grove Heights home costs Forest Lake home costs Chaska home costs Burnsville home costs North Branch home costs Stillwater home costs Roseville home costs Buffalo home costs Victoria home costs Oakdale home costs Rosemount home costs Blaine home costs Hermantown home costs Columbia Heights home costs St. Cloud home costs Dayton home costs Elk River home costs New Brighton home costs Savage home costs Eden Prairie home costs Little Canada home costs North St. Paul home costs Mankato home costs Rogers home costs Anoka home costs East Bethel home costs Coon Rapids home costs Brooklyn Center home costs Crystal home costs Hutchinson home costs Richfield home costs Brooklyn Park home costs Moorhead home costs Faribault home costs New Hope home costs Waconia home costs Northfield home costs Fridley home costs Owatonna home costs Austin home costs Albert Lea home costs Hugo home costs North Mankato home costs Sauk Rapids home costs Worthington home costs Big Lake home costs Mendota Heights home costs Robbinsdale home costs Mounds View home costs Cambridge home costs

How these numbers are made

Water: City of Ramsey 2026 utility rates, billed quarterly: $58.18 minimum covers up to 15,000 gallons, then $3.99 per 1,000 gallons to 25,000, $3.93 to 40,000, $4.21 to 60,000, $4.49 to 99,000, $4.83 to 201,000 and $5.78 above; plus the $3.81 quarterly state testing fee. Converted to a month by dividing by 3 ($20.66 base including testing, first 5,000 gallons included, breakpoints divided by 3). No average household use is published, so the page starts at 9 CCF (about 6,700 gallons) a month.
Sewer and fees: $102.21 a quarter flat sewer fee ($34.07 a month); $22.15 a quarter stormwater ($7.38 a month); $9.19 a quarter urban subdivision street lights ($3.06 a month; rural subdivision lots pay $15.15, and the rates page also lists a $1.37 quarterly priority street light charge per unit that we did not add); $11.94 a quarter curbside recycling ($3.98 a month). The totals assume City water and sewer; homes on a well and septic system should subtract them.
Garbage: Ramsey is an open-hauler city with seven licensed haulers that set their own prices, so no trash price is included. Anoka County's solid waste management charge ($24.02 per single-family home, on 7,948 of 8,867 homestead tax bills as the only listed special assessment in 2026) is added as a flat charge on the tax bill; some homes also carry street or utility assessments.
Property tax: Anoka County's Pay 2026 final rates for Ramsey tax districts 97, 98 and 99 (Anoka-Hennepin ISD 11, Lower Rum River Watershed, where 7,944 of 8,867 homestead parcels are): 94.557962% of tax capacity (county with library and radio 31.852106%, city 46.143954%, ISD 11 13.028645%, Metropolitan Council, transit district and mosquito control 1.920663%, watershed 1.612594%) plus 0.184413% of market value for ISD 11 referendums. Tax capacity is 1.00% of taxable market value up to $500,000 and 1.25% above, so each rate is applied at 1.00% and one extra line adds 0.25% x 94.557962% on value above $500,000; the homestead market value exclusion comes off the tax-capacity parts only. Elk River ISD 728 homes (districts 101 and 102, 923 parcels) pay 106.031317% plus 0.254770%.
Electricity and gas: Connexus Energy's 2026 residential rate ($16.50 a month; 13.90¢ per kWh June-September and 12.90¢ October-May weighted 4 and 8 months, plus the average 2026 Power Cost Adjustment so far); CenterPoint Energy's Residential Sales Service rate ($9.50 a month plus delivery, cost of gas and riders per therm; the cost of gas changes monthly). Part of Ramsey is served by the City of Anoka's electric utility rather than Connexus. Ramsey's gas and electric franchise fees were repealed effective December 31, 2021 (Ordinance 21-16), so none is added. Typical use: Connexus's 2024 residential average and Minnesota's residential gas average (EIA). Insurance: 2022 NAIC Minnesota average (HO-3) until you enter your own. Sales tax is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Ramsey compares

A typical Ramsey house against the 72 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Ramsey	Median	Where it falls
Property tax rate	1.37%	1.49%	lower than 47 of the other 68 Minnesota cities we cover
Water	$331	$390	lower than 48 of the other 71 Minnesota cities we cover
Sewer and utility-bill fees	$582	$661	lower than 53 of the other 71 Minnesota cities we cover
Electricity and gas	$2,285	$2,120	higher than 54 of the other 71 Minnesota cities we cover
Home insurance	$1,774	$1,774	in the middle of 70 other Minnesota cities we cover
Total	$9,077	$9,629	lower than 48 of the other 71 Minnesota cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,285 a year, higher than 54 of the other 71 Minnesota cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,285 a year for a typical house, higher than 54 of the other 71 Minnesota cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Ramsey house costs

What is the property tax rate in Ramsey?

About 1.37% of the value before exemptions a year (2026 taxes payable, Anoka County (Ramsey tax districts 97, 98 and 99: Anoka-Hennepin schools ISD 11, Lower Rum River Watershed)), plus flat charges on the same bill (Anoka County solid waste management charge (per home) $24).

How much is property tax on a $500,000 house in Ramsey?

About $5,659 a year on $500,000 of the value before exemptions with the homestead market value exclusion, including $24 of flat charges.

How much is the water bill in Ramsey?

About $76 a month for water and sewer at typical use (7,000 gallons a month) on City of Ramsey.

How much does trash pickup cost in Ramsey?

Residents choose and pay a City-licensed hauler directly for trash

When is property tax due in Ramsey?

May 15: First half of real property taxes due Aug 15: Minnesota property tax refund due; you may still file up to one year late Oct 15: Second half of real property taxes due

Can seniors lower their property tax or bills in Ramsey?

Yes. Seniors 65+: defer part of your property tax: With the Senior Citizens Property Tax Deferral, the tax you pay is 3% of household income and the state pays the rest as a loan, repaid with interest when you sell or cancel.

How much does a house in Ramsey cost to run each year?

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